If you own a car, you probably have insurance as well. Unfortunately, approximately 14% of American drivers don’t have any type of car insurance. The reasons may vary, from beliefs that it is unnecessary to simply not being able to afford it. Regardless of why some motorists choose not to have any, it is still a hassle to get involved in an accident with an uninsured motorist. In this case, uninsured motorist laws come into play when these people are involved in an accident.
Uninsured Motorist Law (UM) varies from state to state, and insurance companies deal with it accordingly. In many cases, it is hard to make a claim against a person with no insurance, because their assets are not enough to warrant litigation. However, if you have uninsured motorist coverage, you can make a claim against your insurance to recover damages in case of serious injuries. This type of coverage generally accounts for:
- medical expenses
- loss of wages
- pain, suffering and permanent injury
- loss of the ability to keep earning in the future
If you find yourself involved in an accident with an uninsured individual, you should seek help from an experienced attorney. Uninsured motorists laws can be very complex because they deal with a specialized team on the insurer’s side trying to belittle or deny your claim. A lawyer with knowledge in the subject can provide assistance to help you get the compensation you deserve.